Hi-Nella, NJ
How exposed is Hi-Nella to wildfire?
Hi-Nella sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 218 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hi-Nella at the 50th percentile, close to its 48th-percentile risk score.
Hi-Nella's building exposure, zone by zone
83.9% of Hi-Nella's 218 buildings sit in USFS's Minimal exposure zone, with only 16.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Hi-Nella compares
There's little gap between Hi-Nella's 48th national percentile and its 53rd percentile inside New Jersey, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hi-Nella ranks 16,548 for wildfire risk (1 is highest) and 24,208 by building count (1 is largest). Within New Jersey alone, it ranks 329 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Shopping for coverage in Hi-Nella
Hi-Nella's elevated wildfire rating (48th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 83.9% of Hi-Nella outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hi-Nella's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hi-Nella, see the exposure-zones guide.